Been putting off filing for years. A little over a month ago, we decided to trade in one of our cars for a brand new 2015 model. Our credit scored has been in a steady decline and we thought it might be prudent to make sure we had a new, reliable car. This is the car my wife drive the kids around in.
I also had a 2010 Hyundai that was unsafe to drive. It needed brakes bad and had body damage. I still owed a year and a half of payments on it. With cash being tight and unable to get the car fixed, on a whim I went to the dealership to see what I could do and ended up buying a used 2013 Hyundai with very low miles for a great price. Was able to trade in my junker and my payments are less than before (albeit now extended another 5 years)
Then, I just found out at work today that my employer got an order to start garnishing my wages and I just can not afford that so I guess its finally time to file.
We want to keep our cars and are willing to reaffirm both if necessary.
But is buying 2 cars, weeks before filing, going to be a huge red flag and screw up our filing?
I also had a 2010 Hyundai that was unsafe to drive. It needed brakes bad and had body damage. I still owed a year and a half of payments on it. With cash being tight and unable to get the car fixed, on a whim I went to the dealership to see what I could do and ended up buying a used 2013 Hyundai with very low miles for a great price. Was able to trade in my junker and my payments are less than before (albeit now extended another 5 years)
Then, I just found out at work today that my employer got an order to start garnishing my wages and I just can not afford that so I guess its finally time to file.
We want to keep our cars and are willing to reaffirm both if necessary.
But is buying 2 cars, weeks before filing, going to be a huge red flag and screw up our filing?
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